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Bank of Baroda Credit Analyst Interview Questions, Process, and Tips

Updated 11 Oct 2024

Top Bank of Baroda Credit Analyst Interview Questions and Answers

Bank of Baroda Credit Analyst Interview Experiences

4 interviews found

Interview experience
4
Good
Difficulty level
-
Process Duration
-
Result
-
Round 1 - One-on-one 

(2 Questions)

  • Q1. Why Bank of Baroda
  • Ans. 

    Bank of Baroda is a reputable and established financial institution with a strong presence in the market.

    • Bank of Baroda has a long history of providing reliable banking services to customers.

    • The bank has a strong reputation for its ethical practices and customer-centric approach.

    • Bank of Baroda offers a wide range of financial products and services to meet the diverse needs of customers.

    • The bank has a strong presence bo...

  • Answered by AI
  • Q2. Why wholesale Banking
  • Ans. 

    Wholesale banking offers exposure to a wide range of industries and financial products, providing a challenging and dynamic work environment.

    • Opportunity to work with diverse clients and industries

    • Involvement in complex financial transactions and structures

    • Exposure to a variety of financial products such as loans, trade finance, and treasury services

    • Opportunity for career growth and development in a fast-paced environme

  • Answered by AI

Credit Analyst Interview Questions & Answers

user image Manoj Kumar Bhattaray

posted on 10 Jul 2024

Interview experience
5
Excellent
Difficulty level
Moderate
Process Duration
More than 8 weeks
Result
Not Selected
Round 1 - One-on-one 

(2 Questions)

  • Q1. Key Ratios Cr DER ICR DSCR
  • Q2. MSME Classification, PSC Corporate Credit

Interview Preparation Tips

Interview preparation tips for other job seekers - Study in detail

Credit Analyst Interview Questions Asked at Other Companies

asked in Axis Bank
Q1. 1. what is minimum permissible banking finance 2. what do you kno ... read more
Q2. Importance of EBITDA and FCF. How to derive FCF from EBITDA?
Q3. How you check the repayment capacity of applicant?
Q4. What is the difference between Hypothecation and pledge?
Q5. What is correlation between balance sheet and profit and loss acc ... read more

Credit Analyst Interview Questions & Answers

user image harsh solanki

posted on 16 Jan 2024

Interview experience
5
Excellent
Difficulty level
Moderate
Process Duration
4-6 weeks
Result
Selected Selected

I applied via Newspaper Ad and was interviewed before Jan 2023. There was 1 interview round.

Round 1 - Technical 

(6 Questions)

  • Q1. What is the difference between Hypothecation and pledge?
  • Ans. 

    Hypothecation is when an asset is pledged as collateral without transferring ownership, while pledge involves transferring ownership of an asset as collateral.

    • Hypothecation allows the borrower to retain possession and use of the asset.

    • In a pledge, the lender takes ownership of the asset until the debt is repaid.

    • Hypothecation is commonly used in loans for vehicles, where the lender holds the vehicle's registration paper...

  • Answered by AI
  • Q2. What did you work in your previous job in BSNL?
  • Ans. Job profile of my work as Jr. account's Officer.
  • Answered by harsh solanki
  • Q3. Are you ready to work PAN India?
  • Q4. Difference between INDAS and US GAAP?
  • Ans. 

    INDAS and US GAAP are accounting standards used in different countries.

    • INDAS stands for Indian Accounting Standards, while US GAAP stands for Generally Accepted Accounting Principles used in the United States.

    • INDAS is based on International Financial Reporting Standards (IFRS), while US GAAP is based on a mixture of IFRS and local accounting principles.

    • INDAS is used by companies in India, while US GAAP is used by compa...

  • Answered by AI
  • Q5. Ratios use in Analysis?
  • Ans. 

    Ratios are essential tools in financial analysis to assess a company's performance and financial health.

    • Ratios help evaluate a company's profitability, liquidity, solvency, and efficiency.

    • Common ratios include the current ratio, debt-to-equity ratio, return on equity, and gross profit margin.

    • These ratios provide insights into a company's ability to meet short-term obligations, manage debt, generate profits, and control...

  • Answered by AI
  • Q6. Hi!! Harsh How r you? Tell us about your self and past work done.
  • Ans. I answered M Harsh From Gujarat Told my background that CA. College complete from HLCC Gujarat Worked at BSNL and discussed my work profile
  • Answered by harsh solanki

Interview Preparation Tips

Topics to prepare for Bank of Baroda Credit Analyst interview:
  • Finance
  • Accounts Finalisation
  • Ratio Analysis
  • Balance Sheet Finalisation
  • Credit Analysis
  • Due Diligence Review
  • Cibil
  • ASM
  • Crilc
  • Net worth
  • IndAs
  • CARO 2020
  • General knowledge
  • Latest news
Interview preparation tips for other job seekers - Guys,
Chill this is not first and last interview so Be yourself.
Be confident!!
Do not window dress anything..
What ever you know tell it !!

What ever you don't know, tell it "you don't know" - simple hai so don't complicate it ever.
Interview experience
4
Good
Difficulty level
Moderate
Process Duration
6-8 weeks
Result
Selected Selected

I applied via Company Website and was interviewed in May 2023. There were 2 interview rounds.

Round 1 - Resume Shortlist 
Pro Tip by AmbitionBox:
Keep your resume crisp and to the point. A recruiter looks at your resume for an average of 6 seconds, make sure to leave the best impression.
View all tips
Round 2 - Technical 

(2 Questions)

  • Q1. Tell me about your previous assigmenment
  • Q2. Technical are raised

Interview Preparation Tips

Interview preparation tips for other job seekers - Prepare well

Bank of Baroda interview questions for designations

 Credit Officer

 (7)

 Credit Manager

 (1)

 Retired Bank Manager

 (1)

 Senior Relationship Manager

 (2)

 Retired Chief Manager

 (2)

 Wealth Manager

 (1)

 Senior Branch Manager

 (1)

 Relationship Manager

 (1)

Interview questions from similar companies

I applied via Referral and was interviewed before Dec 2019. There was 1 interview round.

Interview Questionnaire 

3 Questions

  • Q1. What products would you process with Axis Bank .?
  • Ans. 

    Axis Bank offers a range of products for processing including loans, credit cards, savings accounts, and investment options.

    • Loans such as personal loans, home loans, and car loans

    • Credit cards with various rewards and benefits

    • Savings accounts with competitive interest rates

    • Investment options such as mutual funds and fixed deposits

  • Answered by AI
  • Q2. How do you deal with your customers.?
  • Q3. Wht are the details of Business you would collect.?
  • Ans. 

    As a Credit Analyst, I would collect details about the business to assess its creditworthiness.

    • Business financial statements (income statement, balance sheet, cash flow statement)

    • Credit history and payment behavior

    • Industry trends and market conditions

    • Management team and their experience

    • Collateral and assets

    • Legal and regulatory compliance

    • Customer base and revenue streams

  • Answered by AI

Interview Preparation Tips

Interview preparation tips for other job seekers - It's a nice opportunity to met with Assessment process
Interview experience
3
Average
Difficulty level
Easy
Process Duration
2-4 weeks
Result
Selected Selected

I applied via Referral and was interviewed before Jan 2022. There were 2 interview rounds.

Round 1 - Resume Shortlist 
Pro Tip by AmbitionBox:
Don’t add your photo or details such as gender, age, and address in your resume. These details do not add any value.
View all tips
Round 2 - One-on-one 

(2 Questions)

  • Q1. Tell me about yourself
  • Q2. Previous work experience

Interview Preparation Tips

Interview preparation tips for other job seekers - Groom neatly, Be brave and tell them what they ask.

I applied via Referral and was interviewed in Dec 2020. There were 3 interview rounds.

Interview Questionnaire 

1 Question

  • Q1. Technical part of your related profile like in my case they asked me how you’ll fund a salary employee and similar question related to business

Interview Preparation Tips

Interview preparation tips for other job seekers - Just be yourself and answer whatever you know and be confident
Interview experience
5
Excellent
Difficulty level
Easy
Process Duration
4-6 weeks
Result
Selected Selected

I applied via Recruitment Consulltant and was interviewed in Apr 2023. There were 3 interview rounds.

Round 1 - Resume Shortlist 
Pro Tip by AmbitionBox:
Keep your resume crisp and to the point. A recruiter looks at your resume for an average of 6 seconds, make sure to leave the best impression.
View all tips
Round 2 - Aptitude Test 

Very basic aptitude test post selection.

Round 3 - Round 1 and 2 

(1 Question)

  • Q1. Previous working experiences

Interview Preparation Tips

Interview preparation tips for other job seekers - Very basic interview was done.
I interviewed for the role of Credit Analyst.
First round was with my immediate manager - the interview was all bout my previous work profile and I was asked about my understanding of the role and responsibilities
Second round was with the RH, it was a very simple and basic round. No technical questions asked.
Round 1 - Resume Shortlist 
Pro Tip by AmbitionBox:
Keep your resume crisp and to the point. A recruiter looks at your resume for an average of 6 seconds, make sure to leave the best impression.
View all tips
Round 2 - HR 

(8 Questions)

  • Q1. What are your salary expectations?
  • Q2. What is your family background?
  • Q3. Share details of your previous job.
  • Q4. Why should we hire you?
  • Q5. Why are you looking for a change?
  • Q6. Where do you see yourself in 5 years?
  • Q7. What are your strengths and weaknesses?
  • Q8. Tell me about yourself.

Interview Preparation Tips

Interview preparation tips for other job seekers - Do consistently trying, one day definitely you win
Interview experience
4
Good
Difficulty level
Moderate
Process Duration
Less than 2 weeks
Result
Selected Selected

I applied via Approached by Company and was interviewed in Jul 2024. There was 1 interview round.

Round 1 - One-on-one 

(5 Questions)

  • Q1. What is the difference between OD and VC?
  • Ans. 

    OD stands for Overdraft while VC stands for Venture Capital.

    • OD is a type of credit facility provided by banks to customers where they can withdraw more money than they have in their account, up to a certain limit.

    • VC is a form of financing provided to early-stage companies that have the potential for high growth in exchange for equity ownership.

    • OD is typically short-term and used for managing cash flow fluctuations, whi...

  • Answered by AI
  • Q2. How you determine drawing power?
  • Ans. 

    Drawing power is determined by assessing the borrower's ability to access funds from their credit line.

    • Evaluate the borrower's current outstanding balance on their credit line.

    • Consider the borrower's credit limit and any restrictions on the line of credit.

    • Assess the borrower's repayment history and creditworthiness.

    • Calculate the difference between the credit limit and the outstanding balance to determine the drawing po...

  • Answered by AI
  • Q3. What is DLOD?
  • Ans. 

    DLOD stands for Days Late on Delivery, a metric used to measure the number of days a delivery is late.

    • DLOD is calculated by subtracting the actual delivery date from the scheduled delivery date.

    • It helps assess the efficiency of a company's supply chain and logistics operations.

    • For example, if a shipment was scheduled to be delivered on January 15th but arrived on January 20th, the DLOD would be 5 days.

  • Answered by AI
  • Q4. What is Leverage ratio?
  • Ans. 

    Leverage ratio is a financial metric that measures the proportion of a company's debt to its equity.

    • Leverage ratio is calculated by dividing total debt by total equity.

    • It indicates the level of financial risk a company is taking by using debt to finance its operations.

    • A high leverage ratio means a company has more debt relative to equity, which can be risky in times of economic downturn.

    • A low leverage ratio indicates a...

  • Answered by AI
  • Q5. Why do you what to switch job?
  • Ans. 

    Seeking new challenges and growth opportunities in a more dynamic environment.

    • Looking for new challenges and opportunities for growth

    • Interested in a more dynamic work environment

    • Seeking to expand my skill set and knowledge in credit analysis

  • Answered by AI

Bank of Baroda Interview FAQs

How many rounds are there in Bank of Baroda Credit Analyst interview?
Bank of Baroda interview process usually has 1-2 rounds. The most common rounds in the Bank of Baroda interview process are Technical, One-on-one Round and Resume Shortlist.
What are the top questions asked in Bank of Baroda Credit Analyst interview?

Some of the top questions asked at the Bank of Baroda Credit Analyst interview -

  1. What is the difference between Hypothecation and pled...read more
  2. Difference between INDAS and US GA...read more
  3. Ratios use in Analys...read more

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Bank of Baroda Credit Analyst Interview Process

based on 4 interviews

Interview experience

4.5
  
Good
View more
Bank of Baroda Credit Analyst Salary
based on 48 salaries
₹9 L/yr - ₹22.5 L/yr
64% more than the average Credit Analyst Salary in India
View more details

Bank of Baroda Credit Analyst Reviews and Ratings

based on 8 reviews

3.2/5

Rating in categories

2.6

Skill development

2.6

Work-life balance

3.4

Salary

4.2

Job security

2.4

Company culture

2.9

Promotions

2.6

Work satisfaction

Explore 8 Reviews and Ratings
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